SERVING AREA MILITARY VETERANS & WIDOWS (EIN 472927411) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2015

Legal Domicile

Principal Officer

TOM NELLIGAN

Phone

3309566162

Tax Period

2025-01-01 to 2025-12-31

SERVING AREA MILITARY VETERANS & WIDOWS, founded in 2015, is a small nonprofit in the Human Services sector that reported $832K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year. The organization ran a surplus of $144K, a strong 17% operating margin.

Mission

Over 2500 families served with a variety of supplies, food and assistance for military veterans, widows and their families in Northeast Ohio

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $831,518

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $831,518

Expense Breakdown

Grants Paid $0

Salaries & Benefits $160,982

Fundraising Expenses $26,766

Program Expenses $216,420

Other Expenses $526,350

TOTAL EXPENSES $687,332

Year-over-Year Comparison

	2025	2024	Change
Revenue	$831,518	$1,015,873	-0.2%
Expenses	$687,332	$651,514	+0.1%
Net Income	$144,186	$364,359	-0.6%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

Volunteers

225

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET DELILLO-STOREY	PRESIDENT	5.00	Officer	$0	$0	$0
ALEX PANTELAS	VICE PRESIDENT	N/A	Officer	$0	$0	$0
CATHY JOHNS	TREASURER	2.00	Officer	$0	$0	$0
KELLY HAER	SECRETARY	2.00	Officer	$0	$0	$0
SOCTT HAWS	PAST PRESIDENT	N/A		$0	$0	$0
JAY-R STRAWDER	DIRECTOR	2.00	Director	$0	$0	$0
PAUL RUSK	DIRECTOR	2.00	Director	$0	$0	$0
COL CHRISTOPHER BANWEG	DIRECTOR	2.00	Director	$0	$0	$0
TYRON SANDERS	DIRECTOR	2.00	Director	$0	$0	$0
APRIL BUFF	DIRECTOR	2.00	Director	$0	$0	$0
BENJAMIN CHANDLER	DIRECTOR	2.00	Director	$0	$0	$0
JOSHUA RUIZ	DIRECTOR	2.00	Director	$0	$0	$0
GEORGE T MAIER	DIRECTOR	2.00	Director	$0	$0	$0
MARK GRAHAM	DIRECTOR	2.00	Director	$0	$0	$0
A LUCIA CIRESE	EXECUTIVE DIRECTOR	40.00	Highest	$0	$0	$0
SUE SIMMONS	EMERITUS MEMBER	2.00	Director	$0	$0	$0
CURT WERREN	EMERITUS MEMBER	2.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$831,518	$687,332	$771,554	$144,186
2024	$1,015,873	$651,514	$818,994	$364,359
2023	$497,482	$335,188	$456,420	$162,294
2022	$434,439	$354,830	$332,206	$79,609
2021	$1,213,216	$1,107,206	$252,459	$106,010
2020	$866,954	$811,015	$142,615	$55,939
2019	$366,582	$338,022	$84,689	$28,560
2018	$220,369	$216,766	$153,182	$3,603

SERVING AREA MILITARY VETERANS & WIDOWS